Life Insurance Blog

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In the life insurance world, the subject of health is always on the list of topics we have to discuss. Eating a diet packed with fresh vegetables is one of the primary ways you can lose weight, improve your health, improve the quality of your life and, yes, get a better rating on your life insurance policy! Read More

I spoke at a community event last evening and ran into a lovely lady that illustrates very well what we run into on a daily basis. I could tell I had hit a nerve by watching her body language and how she dominated the Q&A section immediately following my remarks. Read More

I am always struck by the number of people I run into who are in a Medicare plan that has not been reviewed in several years. In most cases, these plans are falling far short of being their best option. Medicare Advantage is a very popular program for people on Medicare, but it changes often and needs to be reviewed annually to make sure it is still the best plan for you. Changes that affect the plan include: Read More

Houston Life and Annuity is hiring individuals interested in an insurance career. A Texas Life/Health insurance license will be required but not necessary to interview. If you are motivated and trainable, I want to talk. If you already have a license, we would prefer an agent with no more than 2-years of experience. A newly-licensed agent is perfect. Read More

If you are unhappy with your current Medicare plan, you may have some options to make changes right now! Medicare can be confusing and sometimes it is hard to find the best fit during the frantic Annual Enrollment Period that runs every year between October 15th-December 7th. Read More

First off, let me start by saying I own this product. I am happy with its death benefit, its construction, and the way it is performing. I bought it to provide a permanent death benefit for my family that would also accommodate additional cash deposits to take advantage of the tax treatment of monies accumulating within a life insurance contract. If I die sooner rather than later, the money deposited will provide a large, tax-free death benefit which will represent a sizable gain compared to my actual premium investment. Read More

I recently completed my first (hopefully last) heart CT scan to check my calcium score and see the state of my arteries. I chose to do the Heart Scan Plus at the Debakey Heart Center in the heart (pun intended) of the Houston Medical Center. I decided to do this for a few reasons:

First, as a survivor of thyroid cancer (9 years and counting), I am kept permanently hyperthyroid to reduce the chance of recurrence. As it turns out, many symptoms of hyperthyroidism are very similar to cardiac symptoms (palpitations, sweating, racing heart, short of breath, exercise intolerance). Read More

Over the last couple of years, I have begun to notice something that I think is pretty cool that I want to share. Before I tell you, let me set up the scene a bit.

First, I don’t like doctors. Ok, wait, I love the people, I just hate going to doctors. That’s better. The reason I say this is I have had high blood pressure since 9th grade, so I have had doctors all over me since them trying to figure out why and telling me “you are too young to have high blood pressure”. [By the way, if you wanna completely freak out a 9th grader and make them hate going to the doctor, say that phrase and substitute whatever condition they happen to have. It works. Read More

We have to drop our existing BC/BS plan with a $10,000 deductible that we were paying $1000/mo for (I think we may have had a few hundred dollars in medical expenses last year….but I digress). So, in researching all of our individual options and I found a BC/BS plan that looks like what we have now only it will cost $1500/mo for my family with a $14,700 deductible. The other carriers in the area are a mishmash names that I have (mostly) never heard of…which is an issue since I have been working in this industry for 17 years. Isn’t that great? Read More

Over the last couple of years, I have begun to notice something that I think is pretty cool that I want to share. Before I tell you, let me set up the scene a bit.

First, I don’t like doctors. Ok, wait, I love the people, I just hate going to doctors. That’s better. The reason I say this is I have had high blood pressure since 9th grade, so I have had doctors all over me since them trying to figure out why and telling me “you are too young to have high blood pressure”. [By the way, if you wanna completely freak out a 9th grader and make them hate going to the doctor, say that phrase and substitute whatever condition they happen to have. It works. Read More

Here’s the scene: You have owned your term life insurance plan for several years and you realize that your policy is going to expire soon if you do not act. Further, your health isn’t what it was back when you applied. You family still needs the coverage. Can you qualify for a new plan? If you can, will it be affordable?… Read More

Before you buy life insurance through the mail, radio, or television, ask yourself this one question:

Am I really, really sick?

You see, most policies offered through mail, radio, or television are called guaranteed issue life and offer a death benefit that is limited for 2-3 years. They are also expensive. You’ll recognize them…Read More

If your child is a minor (under 17) and has Type 1 (juvenile) diabetes, finding life insurance can be difficult. As you may already know, in most cases, carriers will not consider coverage. There are some, however, who will…you just need to find them. Also, there is at least one trick to getting coverage in place in these circumstances…Read More

As of this writing, as many as 30,000,000 people are believed to have diabetes. Many of them are un-diagnosed and will find out after their next annual physical or illness that sends them to the doctor…Read More

I’m coming to you today to tell you that the fine print matters when you’re buying a life insurance policy. Now, the fine print, as boring as it is, is going to determine what the policy actually does. And it will help you to know whether the policy is going to be appropriate to do the job that you want it to do. And I will give you a couple of…Read More

You’ll notice the CLU® after my name and that stands for Chartered Life Underwriter. (Click the link to learn more about what a CLU® means.) A CLU® is the highest standard of knowledge and trust in financial planning. Helping people with their life insurance needs is very important to me and something that I hold near and dear to my heart. A CLU® is the premier credential in the insurance…Read More

Did you know that most of the websites on the web that advertise for life insurance quotes or instant life insurance rates are just lead generation companies that sell your information to 5-20 insurance agents? Bet you didn’t. But if you have ever filled out a life insurance quotes information form and then received 20 phone calls within 30 minutes, you have definitely experienced this first hand…Read More

LiveScience.com released an article yesterday stating that as much as half of the US population is now either diabetic or considered to be pre-diabetic. Half of the US population. So lifestyle choices, diet, medicine interactions, lack of exercise and aging are all contributing to an almost unavoidable tsunami of new diagnoses of diabetes, and all the other things that come along with that. It is a national…Read More

Hey everyone, Justin White here at Houston Life Insurance Quotes and thanks for watching. You know, I heard a sad story just the other day about a young lady, a mother of two, wife, who all of a sudden came down with something one day and within 24 hours had succumbed, died because of an aggressive infection. The thing that made it so tragic is if that’s not bad enough was the fact that she did not…Read More

Hey everyone, Justin White here with Houston Texas Life Insurance and thanks for watching. I’m recording this event a little bit for you today. I found a new product online a couple of days ago. Opened it up, looked at all the selling features or what were being called features. And just thought, “Man, I’ve got to talk about this on the website because it really rubbed me wrong.” Now I’m not going to…Read More

I hear this all the time. Someone I am talking to will volunteer something like “Bet you can’t help me” or “I’ve been told I can’t get anything”. I always look at them and ask “what makes you think that”? At that point the floodgates open and I start hearing about all the myths and untruths floating around in the life market today. While there are some situations (very few) that are truly hopeless, I find that the…Read More

Justin White is one of the founders and managing partners of Life4Diabetes, a nationwide consumer organization that specializes in finding Life Insurance For Diabetics and other preexisting conditions.

I have diabetes and need life insurance. Should I get Term Life Insurance or Permanent Life Insurance? Read More

Have you ever shopped for life insurance and had that uneasy feeling that you knew about as much as your insurance agent? Sadly, this is common. Here are a few things that should throw up your…Read More

Shopping for life insurance quotes online can be such a headache. Have you ever filled out a form online for a life insurance quote and 20 minutes later your phone is ringing off the hook with…Read More

I often wonder what people are thinking about that process. Actions speak louder than words. According to LIMRA*, almost 40% of the US population is running around with NO life insurance policy in place to protect their family. Since 80% of people say that “everyone should have a life insurance policy”, we know something is wrong. In fact, ask the average American what buying life…Read More
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